How to open the Supplementary Provident Fund: Latest policies and operational guidelines
Recently, the supplementary provident fund has become a hot topic among working people. With the optimization and adjustment of provident fund policies in various places, how to open supplementary provident funds has become an urgent need for many companies and employees. This article will combine the hot discussions on the Internet in the past 10 days to provide you with a detailed explanation of the latest policies, opening conditions and operating procedures of the Supplementary Provident Fund.
1. Interpretation of the latest policies on supplementary provident fund (updated in 2024)
According to the latest notice from the local housing provident fund management centers, the supplementary provident fund policy has the following main changes:
| area | The upper limit of deposit ratio | Deposit base range | special policy |
|---|---|---|---|
| Beijing | 12% | Social wage 60%-300% | High-tech enterprises can enjoy an increase of 5% |
| Shanghai | 14% | Minimum 2590 yuan | Talent subsidies for key industries |
| Guangzhou | 10% | 2300-37200 yuan | Equal treatment for Hong Kong and Macao residents |
| Shenzhen | 12% | Starting from 2200 yuan | Tax incentives for small and medium-sized enterprises |
2. Conditions for opening supplementary provident fund
To open the supplementary provident fund, the following basic conditions must be met:
| subject | Conditional requirements |
|---|---|
| enterprise | 1. A formal provident fund account has been established 2. Good operating conditions 3. Adopt resolutions of the workers’ congress |
| personal | 1. Already participated in the basic provident fund 2. Consensus with the unit 3. Comply with local special talent policies |
3. Detailed activation process
Step 1: Business application preparation
1. Formulate a supplementary provident fund implementation plan
2. Convene a workers’ congress to vote
3. Prepare business license and other qualification documents
Step 2: Declaration online
| platform | Operation path | Processing time limit |
|---|---|---|
| National provident fund service platform | Unit Business-Supplementary Provident Fund Declaration | Review within 3 working days |
| Local government affairs APP | Search for "provident fund back payment" | Instant acceptance |
Step 3: Sign the Agreement
1. Download and print the tripartite agreement
2. Confirmation and signature between the unit and the employee
3. Upload to provident fund system for filing
4. Frequently Asked Questions
| question | Answer |
|---|---|
| Can an individual apply alone? | Need to be handled collectively through the unit |
| Post-employment account handling | Can be transferred or withdrawn (subject to conditions met) |
| The difference from basic provident fund | The deposit ratio is higher and the scope of use is the same |
5. Expert advice
1.Corporate aspects: It is recommended to enhance the competitiveness of employee benefits through supplementary provident funds, especially for core talents, a differentiated contribution strategy can be adopted.
2.personal aspects: Take the initiative to understand unit policies, plan housing consumption reasonably, and pay attention to transfer and succession rules in different cities.
3.Things to note: Pay attention to policy changes at any time. Some regions such as the Yangtze River Delta have achieved mutual recognition of provident funds in different places.
Conclusion
As an important housing security system, the supplementary provident fund is being promoted across the country. Through the systematic introduction in this article, I hope it can help you successfully open the supplementary provident fund and fully enjoy the policy dividends. It is recommended to log in to the local provident fund official website regularly to check the latest developments, or call the 12329 service hotline for specific questions.
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